If you are buying a house for the first time, you will be very unfamiliar with a lot of things to buy a house, so you have to know some things clearly about buying a house.
1, choose a developer with a good reputation or choose a well-known agency. If you buy a new house, you should choose a house developed by a big brand developer, so that the quality of the house is guaranteed, and if you buy a second-hand house, then it is recommended to buy it through a well-known agency to prevent being cheated.
2, assess their ability to buy a house. For people who just need to buy a house, they will take a loan to buy a house because their financial ability is limited. In order to ensure that the quality of life is not affected and to avoid the risk of mortgage cutoff, it is recommended that the amount of the monthly payment should preferably be within 50% of the total income.
3, check the five certificates. If the buyer buys a new house, then be sure to check the five certificates of the project first, because there are five certificates indicating that the house can be purchased normally. The so-called five certificates refer to the “state-owned land use certificate”, “building land planning license”, “building construction planning license”, “building construction license” and “commodity house pre-sale license”.
4、Select the house type. When selecting a house type, the first thing to look at is the orientation of the house type. The order of the advantages and disadvantages of orientation is: south, southeast, east, southwest, north, west. Also need to understand the layout of the house type, whether wet and dry separation, and whether the lighting is good, the house type is not permeable.
5, choose the floor. Buying a house to choose the floor actually requires some skills, need to understand which floors are good, which floors are not good. For example, there is a noise layer, sand layer, and bad lighting floors. So buyers in the time to buy a house, these are to consider well, and then choose their own suitable floor.
6, the quality of housing. When buying second-hand houses, home buyers need to know whether there are problems with the quality of the houses, and the new houses bought can go to the construction site to view some houses, to understand the construction of housing structures and materials, etc.
7, the community environment, community landscape, greenery, supporting and other closely related to life, but also the quality of the property is reflected.
8, look at the planning, of course, to buy a house to pick the property, pick the community, pick the house type, but also can not only look at the house, but also look at the location of the house. After all, the biggest factor that determines the value of the house is the location, it is recommended that when purchasing property, bear in mind to follow the direction of urban development.
9, look at the price, the price selection to compare personal affordability, traffic conditions, community environment, household structure and other conditions to measure the price of the property.
10, avoid the extreme layer, the top and bottom layer is not recommended to buy, the bottom layer is not only easy to moisture, mold, breeding mosquitoes, light is also bad, the top layer a big summer, not only stuffy, not breathable, but also easy to leak.
11, away from the equipment layer, equipment layer is the middle floor of the special water supply, power supply, if you live in the vicinity of the equipment layer all year round, not only the noise of machinery and equipment to torture people can not rest, even the radiation of the machine will also affect the health of people.
12, consider the children’s problems, buy real estate to consider the safety of children on the road, try to choose a house close to. This can save a lot of time for the child, so that the child has plenty of time to study and rest.
13, look at the property, different property companies do a lot of different services, the property company can do their best to complete their tasks involved in the overall quality of the community.
14、Deposit for purchase, deposit is extremely unfavorable to the buyer, so that the buyer is in a disadvantageous position when signing the contract, the buyer often accepts the unequal terms of the developer against his will under the pressure of non-refundable deposit.
15, sign the subscription letter, the basic terms of the subscription letter should be agreed in detail, the main situation of the house to be purchased in the subscription letter to be agreed. The content of the terms agreed to be legal and valid, and the developer is required to provide the text of the contract of sale and purchase of commercial properties as a formal contract.
16、The area of the house should not be bought big, and the house must be considered comprehensively and not one-sided. First of all, the area, the area is applicable to the principle, not for the sake of large and large.
17, not anxious, young people buying a home, should not be good and big, should abandon the idea that home ownership must be in place in one step, according to what they can afford, to make a reasonable decision.
18, look at the concessions, for the developers to give the concessions, to ask more, more analysis, more judgment, do not blindly chase the wind.
List of fees to be paid for buying a house
The public to buy a house for the purchase of a white house, the purchase of a house is a very painful thing, a variety of sets, a variety of processes, is really running people physically and mentally exhausted, sometimes not only can not buy a good house, and even let themselves be firmly trapped, has been paying all kinds of money, and finally can not get the house. So, what taxes do you need to pay to buy a house?
1. Deed tax. For individuals who buy ordinary housing of 90 square meters and below for the first time, and the housing belongs to the family’s private housing, the deed tax is levied at a rate of 1%, and those exceeding 90 square meters are levied at 1.5%. The second set of housing of 90 square meters and below is levied at 1%, and those over 90 square meters are levied at 1.5 (excluding the North, Guangzhou and Shenzhen).
2. Stamp duty. Stamp duty is the contract price × 0.05% (exempted for personal transactions). Also, the title registration fee: 80 yuan / set. The registration fee is the cost of the property license
3、Property management fee. It is calculated from the date of receipt of the house to the date of acceptance of the house by the buyer. If the developer issues a notice of occupancy and the buyer does not take back the house without a valid reason, the property management fee can be calculated from one month after the notice of occupancy is issued. Generally, 3 months are paid first. The property management fee shall be paid for any house that the property owner does not live in for a long time or any vacant house that is not sold by the developer.
The above fees are required to be paid when buying a house.
Of course, the above fees, not all of them are taxes, some are other fees. Regardless of the purpose, the purchase of a house will have to pay these kinds of fees. Remind you that there are strict requirements for buying new house transaction taxes and fees, and there will be no indiscriminate charges. If the developer charges indiscriminately, you can report to the relevant departments.
A novice how to buy a house
Clarify what you want to buy and what you can afford
Houses are generally divided into existing houses and period houses, existing houses are houses that have been built and can be moved into as long as they are renovated, period houses are mostly houses that have started to be trimmed but not built to completion or have not yet started construction, and the delivery time of period houses is definitely later than existing houses. The first thing you need to determine is whether you can accept the existing house or the phase house. If you are in a hurry to move in, it is best to buy the existing house, if you are not worried about the move-in time, you can buy the phase house. The second is what kind of house you can afford. In cities like Beijing and Shanghai, the closer to the city center, the more expensive the price, the newcomers should first estimate what price they can accept at most, and afford to buy a house in those places.
Where to buy a house, what to have around
The second tip is to consider the geographical location of the house, what facilities should be around. For example, if you have children at home, you will consider if you want to be closer to the school, and if you don’t have a car, you will consider if you want to be closer to the bus station or subway station. When considering the general location of the house, you should also consider the surrounding facilities, such as medical resources, educational resources, recreational facilities, etc. You should also consider the property, traffic, school district, location, etc.
Whether the developer is legal or not
If you have already seen the house you like, don’t rush to sign the contract and pay the down payment, first see if the developer has all the documents, usually to see if the developer has “five certificates and two books”. After confirming the legal rights of the developer, you should also see whether the purchase contract is formal and whether there is a unique code of the relevant department on the contract. You should pay attention to every word in the contract, especially the date, amount and supplementary clauses. If you are not careful, you may let the developer exploit the loopholes.
Whether the house has reached the delivery standard
After the delivery date, the novice should also check whether the house has reached the standard of delivery. Mainly check whether there are cracks on the floor and ceiling, if the cracks are wide will affect the safety of the house. Whether the roof to the wall is tilted, you can hang a heavy object with a rope and hang from the ceiling to the ground against the wall. Whether there is enough concrete inside the load-bearing wall, whether the windows on the roof are subject to water seepage, many experienced viewers usually look at the house several times and test the waterproofing of the house on ordinary days or rainy days. If it is a house that has been simply renovated, also look at the floor or walls to see if there are any obvious protrusions, and whether the water in the kitchen and bathroom can flow out properly.
